3695 Bradley Rd, Morganton, NC 28655 Property Records

Burke County property record for 3695 Bradley Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,323 sqft · built 1988
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on File
Last Sale	$303,000 (Aug 2026)
Tax Bill	$1,240 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2026 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1772632078`

Property Details

APN / Parcel Number

Primary APN	`1772632078`
Alternative APN	`32473`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,323 sqft Living Area
1st Floor Area	1,323 sqft
Basement Area	384 sqft
Unfinished Basement	384 sqft
Flooring	Tile

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Material	Metal
Lot Area	50,965 sqft (1.17 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3695 BRADLEY RD
City	MORGANTON
State	NC
Zip	28655-8427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	3695 BRADLEY RD MORGANTON, NC 28655
Legal Subdivision	THE JAMESTOWN ROAD SUBDIVISION
Jurisdiction	BURKE NC
Township / Civil Division	SILVER CREEK
Census Block Group	2
Census Block	2007
Census Tract	20303

Owner

3695 Bradley Rd is owned and occupied by two individuals who bought it in August 2026.

Source: Burke County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3695 BRADLEY RD, MORGANTON, NC 28655-8427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Mar 27, 2026	Trustee's Deed, Foreclosure Foreclosure Auction
Dec 13, 2019	Deed of Trust, Mortgage · Conventional with PMI STATE EMPS CU
May 17, 2017	Trustee's Deed, Construction Loan · Construction Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2026 · Amount on File
Deed Sale	Aug 19, 2026 · Amount on File
Prior Sale	Mar 27, 2026 · Amount on File
Deed Document Number	202626007796
Deed Book / Page	2891 / 597
Prior Transfer Date	Mar 26, 2026
Prior Transfer Doc	0028620696
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Aug 19, 2026
Property Address	3695 BRADLEY RD, MORGANTON, NC 28655-8427
Document Number	0026007796
Book / Page	2891 / 597
Instrument Date	Aug 18, 2026
Instrument	202626007796
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$61,206.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3695 BRADLEY RD, MORGANTON, NC 28655-8427

Mortgage

Document Number	0026007796,
Date	Aug 19, 2026
Book Page	2891/600
Instrument	202626007796

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.78%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BURKE NC
Recording Date	Mar 27, 2026
Property Address	3695 BRADLEY RD, MORGANTON, NC 28655-8427
Document Number	0028620696
Book / Page	2862 / 696
Map Reference	MB 4 PG 84
Instrument Date	Mar 26, 2026
Instrument	2026002645
Transaction Type	Foreclosure
Record Updated	Apr 7, 2026

Transaction

Amount	Amount on Record
Tax	$288.00
Amount Accuracy	Rounded by County
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2940 RIDGEWOOD CT, MORGANTON, NC 28655-9492

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3695 BRADLEY RD, MORGANTON, NC 28655-8427
Document Number	0024400055
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 30, 2019
Title Company	ACCURATE GROUP TITLE, ACCURATE GRP TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3695 BRADLEY RD MORGANTON NC 286558427, MORGANTON, NC 28655-8427

Mortgage

Document Number	0024400055
Date	Dec 18, 2019
Book Page	002440/000055
Instrument	35349

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2049

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	BURKE NC
Recording Date	May 17, 2017
Property Address	3695 BRADLEY RD, MORGANTON, NC 28655-8427
Document Number	0022930067
Book / Page	002293 / 000067
Instrument Date	May 12, 2017
Instrument	4445
Transaction Type	Construction Loan
Record Updated	Feb 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3695 BRADLEY RD MORGANTON NC 286558427, MORGANTON, NC 28655-8427

Mortgage

Document Number	22930067
Date	May 17, 2017
Book Page	002293/000067
Instrument	4445

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 16, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 3695 Bradley Rd was $1,240, up 100.3% from the year before.

Source: Burke County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,240.00 (+100.32%)	$172,004 (-) Land $19,507 Building $152,497	$172,004 (-) Land $19,507 Building $152,497
2025	$619.00	$172,004 Land $19,507 Building $152,497	$172,004 Land $19,507 Building $152,497
2023	$623.00	$172,004 Land $19,507 Building $152,497	$172,004 Land $19,507 Building $152,497

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3695 Bradley Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 28, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3695 Bradley Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BRENTWOOD-JAMESTOWN ROAD private · serves 6,035 people · EPA ID NC0112104
Water Source	Purchased surface water from CITY OF MORGANTON
Last State Inspection	Nov 2025
Also Mapped Here	BRENTWOOD WATER ASSOCIATION
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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